Receiving a Summons and Complaint for a debt collection lawsuit or other court case can be a scary or stressful event. Don’t fret it. A few simple steps are all you need to answer the lawsuit to defend yourself and slow down the collection process or even stop a collection agency in its tracks. It … Read more
What is a Debt Collection Agency A debt collection agency is a company that is either hired to collect debt on behalf of someone else or it is a debt buyer who purchases bad debts for collections. They use the mail, telephone, Internet, email, text messaging and other methods of communications and information gathering to … Read more
I recently read a disturbing article online that attempted to explain how the average person can and should file an FDCPA complaint against debt collectors under the Fair Debt Collection Practices Act. At the risk of offending the author—that is complete and utter nonsense. Do Not File an FDCPA Complaint You should never file an … Read more
Credit dispute letters are easy to write. Still, many cases come through my office where the disputes are so poorly written they are useless. More often the credit dispute letters were completed over the phone or Internet. Sometimes the disputes were sent by credit repair law firms who, despite their size, know nothing about the … Read more
Under the Utah Workers Compensation Act, debt collection agencies are not allowed to collect worker’s compensation medical debts from injured workers. Instead, worker’s compensation insurance is required to pay. This is true under the Fair Debt Collection Practices Act as well. Workers Compensation Medical Collection Efforts Work injuries are tragic. To make matters worse for … Read more
Conclusion Clearing up your credit and stopping debt collections of fraudulent accounts can be time-consuming, confusing, and frustrating. It can also be risky. You must swear under oath and penalty of perjury you had nothing to do with the fraud, did not authorize the fraud, and did not benefit from the fraudulent charges. Following these … Read more
If you have received a collection letter or series of collection letters from Midland Credit Management, Midland Funding, or any other company that make false legal threats or deceptive representations you can fight back. Midland Credit Management, Midland Funding, and other related companies are blanketing the country with threats and statements that are sometimes false. … Read more
Debt collectors are eager to take your Coronavirus stimulus payment. In many cases they will seek to garnish the stimulus money right from your bank account. Congress has not entered any legislation to protect these payments from seizures by debt collectors but there are still a few ways to protect your Covid-19 stimulus payment. Get … Read more
By law, a statute of limitations prohibits collection agencies from suing you for old debts. The limitation period varies for different kinds of debt and can be re-started under certain circumstances so never assume a debt collector is barred from collecting a debt under the statute of limitations simply because the applicable time period has … Read more
There are many misconceptions about whether or not an arrest warrant can be issued by a court of law for failing to pay debt. A recent article from the Standard Examiner entitled “Utah courts increase use of civil bench warrants to compel debt payments” shows how easily some of these misconceptions are spread. And that … Read more
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